Forty-four per cent of Britons would stop using cash altogether if card payments were accepted everywhere, according to MasterCard research. Finextra reports that the research also shows 62 per cent say they prefer to pay electronically than with cash, and 69 per cent say they now make more e-payments than cash payments. A quarter of UK consumers think cash will disappear in their lifetime. The Financial Times has learnt that Deutsche Bank's confidence-boosting stress test result for 2016 was boosted by a special concession agreed by its supervisor, the European Central Bank. The FT reports that Deutsche's results included A$4 billion from selling its stake in Chinese lender Hua Xia even though the deal had not been done by the end of 2015, the official cut-off point for transactions to be included. The deal was agreed in December 2015, but still awaits completion. The Hua Xia treatment was disclosed in a footnote to Deutsche's stress test results. None of the other 50 banks in the ECB's stress tests had similar footnotes. UBS Group AG's US brokerage is teaming up with a robo adviser to develop new tools for its brokers, the Wall Street Journal reports. The Swiss bank plans to start rolling out new technology, developed by robo advice provider SigFig Wealth Management to its more than 7,000 brokers in the U.S. in December. UBS also took an equity stake in San Francisco-based SigFig, which uses software to help investors build a portfolio of securities. UBS is also planning to launch a "robo-advice" service in the UK next month as part of a US$1 billion investment drive to attract younger clients to its flagging wealth management business. US banks have eased off on a commercial lending push in the face of slowing demand from companies, which sets the stage for another mixed batch of earnings from the under-pressure sector, reports the Financial Times. Commercial and industrial loan growth across the sector is still running about nine per higher on a year-on-year basis. However, the growth has decelerated, an emerging area of concern for analysts as three of the four largest US banks by assets - JPMorgan Chase, Citigroup and Wells Fargo - prepare to present third-quarter results at the end of this week.